{"id":1544,"date":"2020-02-19T11:25:00","date_gmt":"2020-02-19T17:25:00","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1544"},"modified":"2020-06-08T16:20:06","modified_gmt":"2020-06-08T22:20:06","slug":"home-businesses-retail","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/home-businesses-retail\/","title":{"rendered":"Home Businesses (Retail)"},"content":{"rendered":"\n
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Home -Based Retail Operations<\/figcaption><\/figure><\/div>\n\n\n\n

A variety of businesses\nare routinely operated in homes. This article discusses aspects of particular\noperations. Refer to Home Businesses – Basics for background information\non coverage as well as our other articles discussing different in-home\nbusinesses.<\/p>\n\n\n\n

Retail – <\/strong>Persons with in-home retail operations must look\nbeyond an HO policy for coverage.<\/p>\n\n\n\n

\"Running
Home-Based Retail Business owner prepare packages<\/figcaption><\/figure><\/div>\n\n\n\n

The Businessowners Policy (BOP) provides broad coverages for buildings, personal property, loss of business income and extra expenses incurred to remain in business (after a fire or other covered cause of loss), premises liability and medical payments. If you have more than $1,000 of goods in transit, you will need to add additional coverage. Goods stored at other locations must be added to the policy, normally as an additional location.<\/p>\n\n\n\n

You will need workers compensation coverage for any employee, even part-timers. You may need commercial automobile insurance if you deliver anything or if your vehicle is larger than a car, van or small pickup or if the vehicle is owned by a corporation.<\/p>\n\n\n\n

Note:<\/strong> some insurance companies can offer amendments to your homeowners\npolicy that can cover certain, in-home businesses.<\/p>\n\n\n\n

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COPYRIGHT: Insurance Publishing Plus, Inc. 2016<\/em><\/p>\n<\/div><\/div>\n\n\n\n

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

A variety of businesses are routinely operated in homes. This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses. Retail – Persons with in-home retail operations must look beyond an HO policy for coverage. The Businessowners Policy (BOP) provides broad coverages for buildings, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,3,13],"tags":[2064,2061,2062,2066,3125,3132,2124,3124,2123,3131,2118,3130,3126,2125,3133,2117,3123,2063,2115,2119,2067,3129,3127,3128,3122,2957,2114],"class_list":["post-1544","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","category-home-insurance","category-personal-insurance","tag-ga-home-based-business-insurance","tag-home-based-business","tag-home-based-business-insurance","tag-in-home-based-business-insurance","tag-insurance-for-ga-home-based-business","tag-insurance-for-ga-retail-business-in-home","tag-insurance-for-in-home-based-business-insurance","tag-insurance-for-ky-home-based-business","tag-insurance-for-ky-home-based-retail-business","tag-insurance-for-ky-retail-business-in-home","tag-insurance-for-remote-workers","tag-insurance-for-retail-business-in-home","tag-insurance-for-sc-home-based-business-2","tag-insurance-for-sc-home-based-business","tag-insurance-for-sc-retail-business-in-home","tag-insurance-for-working-from-home","tag-is-my-business-covered-by-my-homeowners-insurance","tag-ky-home-based-business-insurance","tag-remote-workers","tag-remote-workers-insurance","tag-sc-home-based-business-insurance","tag-top-insurance-for-ga-home-based-business","tag-top-insurance-for-ky-home-based-business","tag-top-insurance-for-sc-home-based-business","tag-will-home-insurance-cover-my-business","tag-will-homeowners-insurance-cover-my-business","tag-working-from-home"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t